近年来，深圳构建支持全面创新体制机制，打造一流创新生态体系，由深圳市财政局推动、与深圳征信 平台合作开发、龙岗金控公司辖属兴业担保公司首次落地的"种子贷"即是其中之一。该产品旨在支持具 有自主知识产权、科技含量高、创新能力强的种子期项目，推动技术创新和科技成果转化。 【深圳商报讯】(记者刘宇峰)近日，在深圳市财政局统筹指导下，由市融担基金、深圳征信、龙岗金控 公司辖属兴业担保公司、微众银行通力合作打造的全市首批"种子贷"产品正式落地龙岗，上线当日即有 5家种子期企业获得170万元资金支持，充分展现了政策创新与金融服务的高效协同。 据了解，"种子贷"产品主要面向"两有两无"（有高水平专家团队、有核心技术，无资质、无稳定现金 流）企业，通过政策性担保贷款，精准匹配初创企业融资需求，助力解决企业融资难题。"不用跑银 行，只是在手机上简单提交了一些资料，不到10分钟就获得了80万元的贷款。"位于龙岗区龙岗街道某 新能源技术开发企业的负责人如是说。因企业拥有的46个注册商标和7个专利信息，展现出较强的实力 和创新能力，被纳入"种子贷"名单，通过兴业担保公司提供担保，企业获得微众银行80万元贷款，也成 为龙岗区首批"种子 ...

"种子贷"产品的落地，破解了一些"两有两无"企业因无国家高新、专精特新等资质，也缺少相关抵质押 物，常常被传统金融服务拒之门外的难题。 预期效应显著，赋能"种子企业"释放增长潜力 6月18日，在市财政局统筹指导下，由市融担基金、深圳征信、龙岗金控公司辖属兴业担保公司、微众 银行通力合作打造的全市首批"种子贷"产品正式落地龙岗，上线当日即有5家种子期企业获得170万元资 金支持，充分展现了政策创新与金融服务的高效协同。 据兴业担保公司相关业务人员介绍，"种子贷"业务在企业筛选阶段，就借助深圳征信的潜力科创企业挖 掘模型与风险评估模型，多维度对深圳市当前存续的260万家企业进行初筛，形成种子企业名单。种子 企业名单推送至银行后，由银行内控再次筛选。除了上述两道防线外，银行与国家融担基金、市融担基 金、担保机构将按比例承担赔付责任，有效控制业务风险。通过构建多级风险分担机制，提高了金融机 构的风险容忍度和信贷积极性，将金融服务进一步下沉至种子期、初创期企业，实现了金融资源与企业 最迫切需求的精准匹配。 高位推动落实，构建"种子贷"政策体系 近年来，深圳构建支持全面创新体制机制，打造一流创新生态体系，由深圳市财政局推 ...

Core Viewpoint - The "Longgang District 'Park Loan' Promotion Event" aims to address the financing difficulties faced by small and micro enterprises through a collaborative mechanism involving government, banks, and park operators [1][3]. Group 1: Event Overview - The event was themed "Bank-Park Cooperation, Benefiting Enterprises Together" and included financial product promotions, signing agreements, and the establishment of the Longgang Branch of the Shenzhen SME Financial Integration Promotion Center [3][4]. - Over a hundred representatives from government departments, financial institutions, and small and micro enterprises attended the event, showcasing the practical achievements of the "Park Loan" initiative [3]. Group 2: Financing Solutions - The "Park Loan" initiative provides efficient financing support for high-growth small and micro enterprises without collateral through a four-party collaborative mechanism involving government coordination, data sharing, customized bank products, and credit enhancement from guarantee institutions [3][4]. - Customized financial products were introduced, such as the "Cross-Border E-Commerce Loan" from Bank of Communications, with a maximum limit of 10 million yuan, aimed at supporting enterprises in international markets [3]. - Citic Bank launched a no-collateral "Park Loan" product for technology-based SMEs, with a limit of 10 million yuan and a full process completion time of three working days [3]. Group 3: Strategic Partnerships - Several banks, including Citic Bank and Bank of Communications, signed "Bank-Park Cooperation" agreements with six financial institutions and parks, promoting green approval channels and customized credit products for start-up micro-enterprises [4]. - The cooperation is expected to significantly enhance the financing success rate for enterprises within the parks through data sharing [4]. Group 4: Establishment of Financial Center - The Shenzhen SME Financial Integration Promotion Center Longgang Branch was inaugurated, marking the first district-level center in the city, aimed at providing integrated services for SMEs at different development stages [6]. - The center will focus on promoting the "technology-industry-finance" cycle, assisting small and micro enterprises in transitioning to specialized and innovative sectors [6].